Customer Service High School
Resume:
Ricky Womack Jr.
Red Oak,TX ***54
********@*****.***
Summary of Qualifications
Highly motivated, multi-talented, goal-oriented, and results driven account specialist with extensive collections, customer service, oral /written communication, analytical, organizational, interpersonal, research, negotiating and follow through skills
Ability to meet and exceed set goals and deadlines with accuracy, efficiency and proficiency, contributing to overall delinquency reductions and consequent team and departmental success
Experience working in a call center environment
Accustomed to using all necessary office equipment and systems including but not limited to Microsoft Office, automated dialer systems, alpha-numeric data entry, and fax
Experience
March 2011- Present
Capital One Home Mortgage
Underwriting
Responsible for assessing the risk of a loan and making an approval or decline decision based on the quality of data in the loan file.
Review and evaluate data to confirm the accuracy of automated underwriting finds.
Applies all internal underwriting guidelines, investor requirements and federal regulations to the decision process on each loan application.
Analyze and verify the employment profile, credit strength and property characteristics
Work with mortgage professionals to obtain information from borrowers or get clarification regarding missing documents needed for file review.
Communicates required conditions and stipulations and provides assistance to expedite the final approval of a file
Adhere to all internal NPI policies and procedures to protect confidentiality of the borrower’s information
Experience with Desktop Underwriter/ Desktop Originator, Loan Prospector and basic computer skills
Experience with FNMA/FHLMC, conventional, jumbo and FHA guidelines
Corelogic
Underwriting Contract
Jan 2011
Performing credit and property analysis on loan files
Communicating to customers decisions reached on their loan
Working with highly confidential documents
Providing exceptional customer service to both internal staff and external customers
December 2010
ADP Small Business Solutions
Teledata Representative
Processed new hires, rehires and terminations
Calculated taxes for and processed manual and voided checks
Processed name, marital and withholding changes
Input and processed payroll
July 2008-August 2010
Bayquest Capital
Collections Specialist
Processed inbound and outbound calls from residential customers seeking assistance on past due accounts
Motivated customers to bring accounts current by influencing solid payments, or promises to pay
Negotiated payment plans and settlements to resolve seriously delinquent accounts
Coordinated skip tracing efforts to locate customers when necessary
Maintained accurate account information and prepared delinquent accounts for recovery when necessary
May 2007 – July 2008
DHL Global Forwarding
Collections Analyst
Provided in-depth analysis of government accounts in accordance with departmental procedures and guidelines
Coordinated with Accounts Payable department personnel to determine appropriate payment timetables
Prepared Excel spreadsheets to record payments and other pertinent account information
Forecasted monthly projections
March 2000 – January 2007
Xerox Capital Services
Cash Management Associate
Specialized in servicing accounts in all levels of delinquency, from 1-30 days, thorough 360+ days
Contacted customers daily to obtain payment for leases by phone and by axing invoices
Identified and processed check refunds when warranted
Coordinated with other departments to resolve credit issues on customers behalves
Consolidated open credits to customers aged debits to clean up files
Provided monthly forecasts of objectives to work group and to immediate supervisor to assist in preparing work load from period to period.
Identified and prepared uncollectible account for recovery
Education
High School Graduate, Lamar High School, Arlington, Texas
University of Phoenix, Bachelors in Business administration, hour completed toward degree
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